Starting September 1, 2005, consumers in 14 East Coast states join the rest of the country in qualifying for a free annual credit report from each of the three nationwide consumer reporting companies – Equifax, Experian, and TransUnion. The free reports were mandated by Congress in The Fair and Accurate Credit Transactions Act of 2003 (FACTA), which requires the nationwide credit bureaus to provide consumers with a free copy of their credit report, at their request, once every 12 months.

Consumers who want to access their credit report online can go to www.annualcreditreport.com. 

Alternatively, call (877) 322-8228 to request your credit reports by phone.  You will go through a simple verification process and your reports will be mailed to you.